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Contract Works Insurance
Get Contract Works Insurance arranged through Jensten Insurance Brokers.
What is Contract Works Insurance?
Contract Works Insurance, also known as Contractors All Risk Insurance, protects builders and other tradesmen while building works are in progress. Should a project be damaged or destroyed before its completion, then it’ll be covered for the cost of materials, labour, and the reinstatement of the project to the stage it was at when the damage occurred.
Need Contract Works Insurance?
Let us arrange tailored cover for your needs.
What does Contract Works Insurance cover?
Contract Works is a specific Add-on Insurance for construction workers and building firms that work on sites. In addition to this core cover, building contract works insurance can usually be extended to include cover for a range of tools and machinery that you may require for the job.
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Tailored insurance to the needs of your business
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Our team of UK-based insurance advisers are here to help, 9am – 5pm, Monday – Friday.
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Why get Contract Works Insurance through Jensten Insurance Brokers?
Contract Works can cover any losses incurred owing to issues such as:
- Damage caused by an insured event such as fire, flood, storm, vandalism or theft.
- Damage to on-site plant and equipment and existing structures.
- Third-party property damage.
- Loss or damage to employee’s tools and personal effects.
- Accidental damage to on-site materials.
As well as flexible, quality cover, Contract Works Insurance through Jensten Insurance Brokers offers you the following benefits:
- Advice from an experienced team.
- Cover for a range of construction businesses.
- Protection that’s tailored to your needs.
- Service from quote to claim.
How to save on Contract Works Insurance
At Jensten Insurance Brokers, we’re committed to finding our clients a great deal on quality cover. Having provided many, many Contract Works Insurance quotes, we’ve learned a thing or two about how to save money on your cover, including:
- Get some independent advice – this is a specialist area of insurance, and there are a number of risks that need to be considered depending on the size of your project and the work you’re undertaking.
- Shop around – or better still, get a broker such as Jensten Insurance Brokers to do the shopping around for you. With our extensive experience and insurer contacts, we can help you get the right cover at the right price.
- Ensuring Adequate Security on site – such as 24-hour manned security, a fenced and alarmed site or compound, security patrols, and trackers fitted to expensive equipment such as plant.
For some tailored insurance help, please contact the Jensten Motor Trade team today or call them on 0208 298 2100.
Need Contract Works Insurance?
Let us arrange tailored cover for your needs.
Contract Works Insurance
Contract Works Insurance can be a complex area of cover, so to help you get the protection you need, here are our contract works insurance frequently asked questions. We hope they are of use, but if you’d like some advice, please call us on 0203 830 5357, and the team will be happy to help.
How much does Contract Works Insurance cost?
“As we’ll create your cover around you, your business, and the projects you’re working on, there’s no simple answer to that question. What we can say is that your contract works insurance quote will be based on factors such as:
• The size and value of your contracts or construction projects, which determines the contract works sum insured on an annual basis
• The nature or type of work being done on the construction site, including whether you are a building contractor or an independent contractor responsible for the job
• The value of equipment, tools, and materials required on‑site, including expensive equipment and portable equipment cover
• Site location, especially if it’s high‑risk or hazardous, where poor workmanship or accidents could cause significant damage
• Specific elements such as timber frame builds, extensions, or other contractually obliged work that may increase risk
• Whether you require additional covers like professional indemnity insurance, personal accident insurance, or contractors liability insurance to protect against negligence claims and liability insurance claims
• The level of public liability cover and legal expenses you want included in your tailored policy to cover legal costs and compensation costs that may arise from property damage or injury to customers or third parties”
If you’d like some help getting the contract works insurance that’s right for you, please call us on 0203 830 5357, and our experienced team will be happy to help.
Is Contracts Works Insurance a legal requirement?
“No, contract works insurance is not legally required, but it is highly recommended due to the risks involved in construction and site work, and the potential financial losses without adequate business insurance. However, employers’ liability insurance is legally required if you employ staff. While not contractually obliged by law, many customers insist on proof of contractors insurance before work begins.”
Who needs Contract Works Insurance?
“Contractors, tradespeople, property developers, main contractors, subcontractors, and construction businesses, whether solo operators or larger firms, benefit from this cover for protection during active projects. This includes electrical contractors insurance and other specialist trades within the contracting business, all responsible for managing risk and protecting their work.”
What’s covered by Contract Works Insurance?
“It protects against accidental loss, damage, or destruction, covering the cost of materials, labour, debris removal, and reinstatement invested in your contract works. It can also include contract works cover for hired-in plant and equipment used on the building site or temporary buildings. Additionally, it may cover legal and compensation costs, such as legal fees arising from negligence claims or liability insurance claims. The policy excludes losses from poor workmanship but covers damage caused by insured events.”
How do I calculate the contract work sum insured?
“Ensure your sum insured equals the total cost (materials plus labour) of your biggest project or contract, including the total cost of all contract works to be completed under your contract works insurance policy. This total should reflect any potential compensation costs or claims you might be held liable to pay, ensuring full financial protection for your contracting business.”
How can I get a Contract Works Insurance quote?
“Getting a quote is easy. You can call us on 0203 830 5357, and the team will be happy to help you find the protection you need. We can tailor your contractors insurance policy to include professional indemnity insurance covers, public liability insurance, and other recommended covers to help provide financial protection for your contracting business, helping to cover your business against legal costs and risks associated with your contracts.”
Like some Contract Works Insurance help?
If you’d like some contract works insurance help, please give us a call on 0800 368 9018. Our friendly team will be happy to help you get the protection you need and offer you a contract works insurance quote.